643 Richardson Rd, Owosso, MI 48867 Property Records

Shiawassee County property record for 643 Richardson Rd, Owosso, MI 48867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,594 sqft · built 1954
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$18,375 (May 2009)
Tax Bill	$131 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`007-31-200-015-01`

Property Details

APN / Parcel Number

Primary APN	`007-31-200-015-01`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,594 sqft Heated Area
1st Floor Area	1,594 sqft
Basement Area	560 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	387 ft deep x 113 ft wide
Deck Area	84 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	643 RICHARDSON RD
City	OWOSSO
State	MI
Zip	48867-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF THE NORTHEAST 14 OF SECTION 31 TOWN 7 NORTH RANGE 3 EAST CALEDONIA TOWNSHIP SHIAWASSEE COUNTY MICHIGAN DESCRIBED AS C
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	CALEDONIA
Census Block Group	2
Census Block	2048
Census Tract	31600

Owner

Source: Shiawassee County records, as of July 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	643 RICHARDSON RD, OWOSSO, MI 48867-9754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK EASTERN MICHIGAN
Nov 21, 2017	Deed of Trust, Mortgage FIFTH THIRD BANK
Apr 20, 2021	Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD BANK
May 3, 2019	Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2009 · Amount on Record
Deed Sale	May 27, 2009 · Amount on Record
Deed Document Number	20093199016
Deed Book / Page	1136 / 291
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	643 RICHARDSON RD, OWOSSO, MI 48867-9754
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012290916
Date	Jan 10, 2017
Book Page	1229/0916
Instrument	3293222

Lender

Name	FIFTH THIRD BANK EASTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	643 RICHARDSON RD, OWOSSO, MI 48867-9754
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012400443
Date	Nov 21, 2017
Book Page	1240/0443
Instrument	3303756

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	643 RICHARDSON RD, OWOSSO, MI 48867-9754
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 RICHARDSON RD, OWOSSO, MI 48867-9754

Mortgage

Document Number	0012810649
Date	Apr 20, 2021
Book Page	1281/649
Instrument	3345414

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	643 RICHARDSON RD, OWOSSO, MI 48867-9754
Document Number	0012570082
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	643 RICHARDSON RD OWOSSO MI 488679754, OWOSSO, MI 48867-9754

Mortgage

Document Number	0012570082
Date	May 9, 2019
Book Page	001257/000082
Instrument	3320592

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2049

Tax Assessment & Valuation

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Caledonia Charter Township
Unified School District	Owosso Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,700 (+3.76%)	$143,400 (+3.76%)
2025	$131.00 (-87.95%) Homeowner's exemption	$69,100 (+20.17%)	$138,200 (+20.17%)
2023	$1,087.00 Homeowner's exemption	$57,500	$115,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DayStarr Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Richardson Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures